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Get your YNAB budget up and running with individualized support tailored to your life and your needs!

Say goodbye to “out of sight, out of mind” budgeting!


It’s time to bring awareness to your finances one *judgment-free* step at a time

Maybe you’re not sure when your bills are due and *fingers crossed* you have enough money in your account to pay them. 

You dream of the day when you can confidently fund all of your expenses. 


 Or maybe you have an abundance of money, but who the heck knows where it all goes? 


You’re craving insight, organization, and a system to keep it all straight.

👉YNAB will help you get there.

YNAB is a method (mindset) and an organization system (tangible tools) that will help you shift your relationship with money, help you feel more connected to your finances, and bring greater awareness to your spending decisions.


Never heard of YNAB? - Check out the "method" here!

As your YNAB coach, I’ll help you set up your YNAB budget, teach you the ins and outs of the software, coach you through the different mindset shifts and, above all, help you find clarity and confidence in your spending decisions.


Whether you’re just getting started with YNAB for the first time or you already use it and need support with a feature or two - you’re in the right place!

Imagine what it would be like if you could...

🌊 Go on vacation, see Broadway shows, or snag a delicious latte guilt-free

🥑 Buy groceries without fearing a surprise overdraft fee 

💡 Have a clear understanding of your current financial picture - knowledge is power (cheesy but true!)

💵 Pay down debt without feeling like you’re selling your soul to a life void of pleasure and fun

💻 Look at your budget without holding your breath, squinting your eyes, and praying for a miracle

🎵 Spend money on things that are important to you rather than what you think you *should* spend money on

🧠 Have a system in place for managing your money that works for your brain (ADHD-ers unite!) and is a reflection of your needs, personality, and lifestyle.

📝 Establish key daily, weekly, and monthly habits to keep you connected to your budget and financial reality

📅 Learn steps you can take to continue moving towards your personal financial goals

🧘‍♀️ Cultivate a relationship with your money that’s rooted in acceptance rather than embarrassment or shame

🤑 Run a profitable business where YOU get paid - not just your assistant or email service

🎉 Feel confident that you have your bills covered this month and next even though your income is varied and unpredictable

With 1:1 YNAB coaching, you get personalized support to set up your YNAB budget and can begin shifting your relationship with money todayyyy 

Hi, I'm Chelsea (she/her)


Before using YNAB, I was spending money I didn’t have on things I didn’t want and was turned off by anything resembling a budget.


👎 I thought all budgets were like diets - restrictive, guilt-inducing, and stressful. 


But then I discovered YNAB and realized there was another way of relating to money (I call YNAB the Intuitive Eating of the money world).


Now, I get giddy when I open my budget, have FUN assigning all my dollars a purpose, and feel zero guilt when spending money.


I consider myself a YNAB superfan and, having used the software and method for 5 years now, I’m pretty skilled at it. 


That said, using YNAB has a learning curve. It's an entirely new way of thinking about and relating to your money.


I’m here to save you the time and energy that I poured into learning everything there is to know about YNAB so I can effectively and efficiently teach YOU what you need to know for your particular budget and life.

Together we'll get clarity on your financial picture with minimal stress and maximum enjoyment. 

It’s possible, I promise!

What's included:

  • 1:1 Coaching with me (Chelsea) - Personalized coaching via Zoom exploring your financial goals, working through mindset shifts, and learning how to make YNAB work for you


  • Unlimited Voxer support: Use this walkie-talkie app to reach out to Chelsea in-between Zoom calls to get in-the-moment support for all your time-sensitive questions! 

  • Initial set-up of your YNAB budget: Together we will add your bank accounts, create categories of spending, and set targets for each category 


  • Support with YNAB functions & daily use: Learn how to log income & expenses, pay a credit card statement, reconcile your accounts, and complete end/beginning-of-the-month tasks​


  • Supplemental materials and guides: Think checklists, detailed how-tos, and additional material created by Chelsea that’s specific to your situation and needs


  • 2-month trial or subscription extension of YNAB: Get the 1-month free trial that everyone gets when signing up for YNAB plus an additional 2 months free as a perk of being my coaching client

Support Options


The initial package to get your budget up and running

  • 2-hour onboarding session via Zoom

  • 1 hr of additional coaching via Zoom

  • Unlimited Voxer support for 1 month

  • 2 additional free months of YNAB

Total cost: $550 USD

A la carte services:

1:1 coaching sessions - $150/hr

Voxer support - $200/month

Payment plans and custom packages are available upon request!

What Clients Say

Before working with Chelsea I had no idea how to budget and was in about 10k of credit card debt.  Through working with her, I learned to align my budget with my values, have paid off all my debt, and am now saving for a home and retirement.


I’ve learned to love finances and build self-trust I never had.


She is so patient and shame-free in her approach. Working with her has probably saved me hundreds of thousands over my lifetime and I am so grateful!"


"YNAB has a ton of free resources, why would I pay for a coach?"

Great question!


The truth is, most questions you have about YNAB can be answered by one of YNAB’s many free resources (and they have MANY!)


👉Before working with me, you may want to check out YNAB's blog posts,  YouTube channel,  and live workshops.




There are a few key differences from DIY-ing it for free versus working 1:1 with me:

I save you so much time!


Rather than having to teach yourself an admittedly dense budgeting app and method, I can walk you through everything step by step in an order that makes sense for you and answer questions you have along the way.

No need to spend an hour searching through blog posts to find an answer that I can give you over Voxer in 30 seconds.


Speaking of Voxer - this is a HUGE perk of working together. You'll have me at your fingertips. Send me screen shots, verbally process a complex budeting scenario, or express any emotions you have as you face your finances head on! I'm only a click away.

Our work together is personalized to your unique situation.


Your budget is a reflection of YOUR life, YOUR needs, and YOUR challenges. We will tailor our work together to answer the questions you have and skip over what you already know.


Finances aren't one-size-fits-all. YNAB's teaching materials are full of helpful information, but they aren't catered to YOU. 

Accountability is key when establishing new habits!


I’m here as your cheerleader and guide. I’ll walk alongside you as you get familiar with the YNAB software and support you through a full month’s worth of expenses and paychecks (or longer if you want to keep working together!).


Not only am I here to support your numbers...I’m here to support your mental well-being as well! Thank goodness I have a masters degree in counseling! Dealing with finances can be an emotional ride! 🤑🤯😨😵😍

Take a look inside!

MacBook Air_Screenshot YNAB web.png

Add all your bank accounts and credit cards here to have transactions manually added or automatically imported!

This is where any income lands! Then you distribute it to your categories below - intentionally assigning money where you want to spend it.

Green = money you have available to spend.

Yellow = you haven't added enough money to this category based on the goals you've set!

Create categories that are a reflection of what's important to YOU!

 Check out these features and

Money is a loaded topic for many of us.

One that triggers different emotions and can feel out of control yet holds the potential to create your dream life.

My hope is that, beyond the necessities, you’re spending money on things that bring you joy.  WHATEVER THAT MAY BE.

Guilt and shame-free. 


My wish is that you feel peace when logging into your bank account and confident in your spending decisions.


My goal is for you to feel equipped to use YNAB with ease and  ENJOY assigning all your money on payday.


Most of us need some help bringing these visions to life.


If you're ready to shift your relationship with money via the YNAB method and are eager to dive into the YNAB software -


I can't wait to work with you!


What makes you unique?

  • Fun fact, I'm also a Certified Intuitive Eating Counselor and am firmly anti-diet and Health At Every Size aligned. I approach money the same way I approach food - with acceptance, nonjudgment, and permission to be human. 

  • I have my master's degree in Clinical Mental Health Counseling which provides me with the skills and training to hold space for all your celebrations and frustrations as we learn how to use the YNAB software and uncover emotions and beliefs you hold about money.

  • I'm multi-passionate, have ADHD, have variable income, and am a small business owner. I know how to use YNAB to support all these aspects of myself and can help you do the same!

Did you go to school for finance?


I did not.  Thankfully, YNAB doesn’t require a finance degree to use it!


That said, I am a Certified YNAB Coach meaning I've gotten official training and a seal of approval from the folks at YNAB to offer you these services!

Does YNAB cost money?

Yes. If you choose to sign up for YNAB after your free trial ends, it is $14.99/month or $99 annually (saving you $80).

If you're a college student you get a free year of YNAB! Check it out here!

Can this truly help me if I have very little money?

Yes, capital Y-E-S. 

I started using YNAB while working at a non-profit with a verrrry small salary. YNAB was probably MOST helpful for me during this time because it was imperative that I knew where every dollar was going. YNAB helped me get clear on my values and make intentional choices to skip buying some things in order to afford things that mattered to me more.


Have a question I didn't answer? Apply below and sign up for a free intro call with me to discuss your particular situation, needs, and I'll answer any questions you have!

What Clients Say

“Hiring Chelsea for YNAB budget coaching is one of the best investments I’ve ever made for myself.


As a small business owner with ADHD, a history of disordered eating, and a ton of anxiety around money, she was the perfect fit to help gently walk me through what felt like a very intimidating process.


I continue to be amazed by how many narratives I have been holding onto about money that mirror my old relationship with food!


Chelsea offered plenty of practical and easily digestible information, and her gentle demeanor provided a safe container for me to process any uncomfortable emotions. I feel much more empowered and aware of my values moving forward. I cannot recommend her services enough!


I am a YNAB Certified Budgeting Coach, which means that I have been trained to coach people on using YNAB software and the YNAB budgeting method. I have met select requirements of You Need a Budget LLC in order to receive this certification, which means that I have the ability to competently coach YNAB to others. I am not an employee of YNAB, and all non-YNAB related opinions and recommendations are my own. My views do not reflect the views of YNAB and its employees or its affiliates.

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